Because you have overdraft protection, you're...
Posted By: UTMT on 2006-11-01
In Reply to: Thanks, Lisa! (sm) - OP of thread
fine as far as doing nothing illegal. Also, when a deposited check bounces and there have been checks written assuming the check was good, that is not illegal. However, writing a check and KNOWING the funds are not there is check kiting, which is a federal offense. Do banks prosecute? Normally they will not, unless it comes to the point of numerous checks OBVIOUSLY written knowing they will not clear on the second or third time (maximum of 3 times). Then, the recipients of the checks can press charges. Believe me it happens. I was a bank manager for many years, and, although it didn't happen very often, it did happen.
Also, in reality banks love check bouncers. They are the "money maker" accounts. Those fees add up VERY quickly.
My dh is a deputy sheriff, and the jail in his county has many, many inmates in for check-kiting. In our state the first conviction is 1-5 years, and it get worse from there.
Who hasn't written a check at the grocery store on a Thursday night, knowing the money wouldn't be there until they made a deposit on Friday. I know I have. One day is pretty safe, but now that so many banks use the same clearing house, writing a check even 2 days before a deposit is risky...unfortunately speaking from experience here.
So, overdraft protection is the way to go. Safe and legal. 
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Overdraft
I worked in a bank years ago. Bouncing a check or having overdraft protection is NOT illegal. You only get arrested if you write a check on an account that has been closed. I wrote checks with the money in my account, my paycheck then bounced. I had no way of knowing. I got nailed with fees because my paycheck was returned the I had to eat them. MTSO did not even offer to make them good. MTSO did make good on the NSF check but not the fees. I was upset too because I had been burned. I feel your pain. What you did -- not illegal.
No but I keep one for my own protection!
x
For your protection, I would definitely get a lawyer
especially if they're going to hire one.
You could forfeit your rights to the property if you don't respond properly and in a timely manner and in order to do that you need a professional to examine all the legal paperwork.
My neighbor went through a somehat similar situation with her house...but too long to go into here.
virus protection
There is a company who is connected with Norton, Symantic (spelling ?) that has Eanthology/stop sign. Look it up on the web. This costs less than $7 a month (I have 3 computers on this). You download from the web, has a firewall, pop, the whole 9 yards. I have a VIP subscription and they have been on the phone with me for an hour before fixing my computer. I would recommend them to anyone. You can also find them by putting in Stop-sign computer protection service. Let me know if you need additional info
My space protection.
Okay, so you can limit who can see your child's profile but can you limit the profiles your child can search for and look at? That is my question.
BK laws have changed. Ch 13 (repay) protection
is only option available if I understand the details correctly. Visa Corp. has tried to push this bill through for a decade and it was finally passed. There may be certain dire situations that allow an individual to wipe out debt (Ch7) but it will be a rare one. It is wage garnishment until the debt is paid, basically, though it may stop added penalities and possibly stop the debt from growing over time. See a reputable BK atty for a free 30 consult. It is all in the numbers really. What you owe and what your earning potential is, possibly the situation at hand but not like before (I filed Ch 13 after misfortune to save my home, paid back debt over 3 years with my wages garnished). Bad timing for this economy and many people will suffer, especially the elderly and the ill.
Can anyone recommend a good virus/security protection?
I currently use a program called PC cillin. I have used Norton, and with both I still managed to get "worms" on my computer. Also, my internet service is with AOL.
Thanks.
wrong. the virus protection and anti-spyware
are only as good as the updates and are NOT 100% all the time. NO program is 100%. Hackers are finding new ways to compromise computers every single day and no program can protect from all of them. The longer you are up and running, the more chance of being invaded. don't fool yourself into thinking antivirus and antispyware are fool proof, because they are not. You have to think smart and protect yourself too, by shutting down when not in use and allowing new updates to take effect. duh.
YES, your email has COMPLETE protection on this site. We have worked VERY hard to make sure
that e-mail addresses are protected. Spheris did not glean your email address from this site. In the meantime, if you enter your email address in the E-mail field, you can be emailed, but the sender cannot see your email address. They have no idea WHAT your email address is. ONLY if YOU reply to them will the sender then find out what it is. If you have further questions, email me and we'll discuss it.
Do not download the Panda titanium software for virus checker and spyware protection. It corrupted
my entire computer, had to have service man fix it to the tune of $150.00.
Surge protector light blinking on switch. Does this mean the surge protection is not working. nm
:
My virus protection keeps catching emails with the blackmail.F virus. That
has been going around for a few days and different variants of that are popping up. Don't know if it is related as I have not had time to research it. Watch out for that one too.
For Pete's sake, you're not terminating a pregnancy, you're just typing a report after the
It's already been done before you even hear about it, and NOTHING changes regardless of whether you or someone else types it. Sheesh.
It's not funny when you're on a board where language is one skill you're selling.
.
Hope you're gonna have a glass of wine while you're relaxing
in your spa goodies. Congrats!
Well, you're all complaining that accounts are current and work is low, so, gee, maybe they're
focusing on WORK, as in CLIENT and transcribing, as maybe half of you should be focusing on!!
If you're experienced, try for 9cpl or higher, and you're lucky to get that! nm
s
Skip it. No one cares. Either you're good on the test or you're not.
x
You're probably right. Plus we're losing our percentage of good people by .... (sm)
allowing every loser from every 3rd world country on the planet to just stroll on into our country, some legally, most illegally, and take advantage of the social services all us hard working little gerbils pay for by having money taken out of our pay every month. But I don't think we're all lazy. Just the ones on permanent welfare driving around town in brand-new Cadillac Escalades. Saw one just today on the Bayshore Fwy. Brand-new black Escalade with expensive spinner wheels, with 5 or 6 Mexicans in it. Well, who knows - maybe they stole it and it was on its way to a chop-shop. Smart-and-hungry people aren't always hard-working and honest.
You're not going to find a word expander for free. You're going to have to pay
g
You're forgetting all the stuff you can't buy when you're UNEMPLOYED!
Unemployed people have a hard time buying anything, including cheaply made offshore products. How many will have to end up depending on public assistance? That means more tax dollars being eaten up - besides the taxes NOT being collected from the overseas workers. In the long run, are you really enjoying a lower price?
If you're on the job, ask for samples to do it how they want it. If you're testing, separate o
s
You're not losing it, you're burned out on your main job.
I feel for you... I am having my own "version" ;-) of these kinds of struggles. Lots of recent changes at the admin level have made my job do a 180, going from a really great one to a really crappy one.
For me, it's a struggle to get through the day with a shred of motivation. I get distracted in the way you discuss as well.
I just try to make my environment as comfortable as possible and make the best of it while I decide what the best way is to deal with the burnout... I figure if I can't change my inner brain workings so that I still like this job, I need to find another one, or this feeling will possibly get worse!
I hope it works out for you. Wish I had some better advice for you, but this really does look like burnout and extreme job dissatisfaction to me. We all wear it differently. Try to be good to yourself while you figure out a solution.
Don't know what you're complaint you're making with this post. sm
You stated in your original post that you don't want to work weekends or odd shifts. What is your definition of an odd shift? Second shift? Third shift? Sounds like you want to work M-F on days. Sounds kind of rigid to me. 
Personally I like second shift, so everyone working days means more work for me! 
You're not under a rock, you're just like me... an adult with more to
s
It's not because you're beautiful, it's because you're an IDIOT!
Does that make it any clearer for you??
YOU'RE A SACK OF CRAP!! YOU'RE NOT
THE ADMINISTRATOR. WHAT DO YOU THINK WE ARE IDIOTS???
 
Honey you're not being a shrew, you're being a
I don't get it when husbands and wives *allow* the other to have money that THEY work for...just don't get it. Go buy the flippin' keyboard and tell him to take a hike! (To put it sweetly!)
Why is it the only expander you're permitted to use? How would any know what you're using?
xx
They think they're smart to accept it, but they're
m
If they're withholding taxes, you're not an IC.
As an IC, you should already be paying taxes. That said, the only benefit having them withhold FICA is that your Social Security/Medicare share will be less. Social Security is 15%; if you're an employee, you pay 7.5% and your employer pays 7.5%. As an IC, you pay 15%. Doing the math, 0.0925 would be your 0.10 minus 7.5%--the 0.0924 is just a tad less than you're making now.
We're out here (good MTs) but we're busy! sm
I don't recall ever taking an employment test where I wasn't offered a job. My MTSO does not even look at my work unless I happen to have a question or a blank, which happens maybe once in every 30 or so reports with an ESL. If you find a really good MT, how much training would be involved? Certainly you would save time in the long run once they're trained and you don't have to check all their work.
If you're one of the MTDesk clan then you're ok
wersdffa
You're right if you're single it's tough.
I am an IC as well, but I have a husband with benefits and makes a fair buck. I am fortunate after 20 years to able to work from home. I worked on site for 17 years with a "chocolate cake" the day I left. Nothing more... The loyalty in any profession is gone, gone, and gone again.
Most companies want new employees/ICs that will take low pay and that won't cost much in the way of paying vacation time.
I do take every Friday off and try only to get on to check e-mail, etc.
However, I wouldn't trade being here for my kids at this point.
There are headaches no matter what profession you are in. It seems if it isn't one thing it's another.
Raises? Out of the question in this profession since most are afraid they will lose the account including myself. I also underbid my last account because I wanted the account so bad. I should be charging more.
It is a neverending cycle really.
But, I still enjoy the work, so I guess that's the difference. It does take will power to sit and type. Some people need that boss hanging around to keep the production up and the incentive of a nice paycheck is just not good enough.
Good luck with your new job! Sounds great!
If you're new, good - if you're not a newbie, not so hot
Would need to know how long you have been an MT. For a newbie, this is a pretty good rate of speed.
However, if you have anything over a couple years of experience, then this is not too hot.
Also, what are the dictators like? Is it a "United Nations" account??
If you ARE capable of 200 lph or more and you can't seem to get it, then the problem has got to be with the platform you are using. In my experience, the platform into which you transcribe can make or break your paycheck - so if the platform stinks, then I hate to tell you, but there is no way you will be able to improve your line rate. I have quit jobs because of awful platforms more than once.
You realize by doing that they're making more money & you're making less? You should reconsid
It's just what you're comfortable with and what you're used to.
I give a minimum of $100 for acquaintances and raise the bar from there to good friends, relatives, immediate family getting the largest gift.
that's because they're the big guys and you're only the
x
No, you're not missing anything, but you're really not seeing
anything either. InterFix designs and sets up software specifically to facilitate an easy conversion to overseas transcription.
You're both right and you're both wrong.
There are too many variables to give an accurate--or even estimated--count. Using a standard 1-inch margin, you may have short lines and lots of paragraphs and get a lower count. If no paragraphs and it's a full page of text from margin to margin, you get your higher count. You can't possibly use an average count because of variables, which is why no one can commit to a pat answer.
It says that's why you're QA and we're MT, simple enough?
Yes, of course, you're right.
You're absolutely right. Your E-mail shows such aspirational maturity -- I'm sure you were the class valedictorian, always the studious, respectful child. You have limitless options. That's how you ended up at MQ like the rest of us.
You're welcome SM
I know exactly what you mean. I've worked for some of the largest teaching hospitals who had staff and resident lists nearly a foot thick but that was in the "old" days when pay was better and computers hadn't been heard of yet. These modern days if a company can't provide their physician list in the data base where I can search with just a letter or 2, then I'm not going to work for them. I suspect that lots of your company's MTs object to nonproductive time looking up tons of names and addresses and whether you realize it or not, you're on the clean up committee, getting those jobs when they are thrown back into the pool. You might try talking it over with your supervisor and offering to continue doing the throw backs provided you're paid to do so. I did that once when all I was getting day in and day out was the most horrible of horrible dictators. Much to my surprise they agreed to compensate me appropriately. Granted, the pickings for really good companies are slim but they are out there, you just have to find the right one. Most will tell you anything you want to hear until you're hired, which is why I suggested keeping the old job until you've tried the new one on for size.
Hope this helps!
You're welcome!
You're right. They do.
x
seems like you're saying..
Since its been done for so long its okay. This is brutal to the animals and unhealthy to us. Its also heartbreaking to a lot of us. Although i'm not like those radical PETA members you described, when I see certain things being done to animals, it does move me, so I can understand their passion. One thing that gets me to the core is selling birds at pet stores. They were meant to be free and FLY, that is their whole purpose and for someone to keep them trapped in a little barred cage just for their personal enjoyment is just beyond me. You have to actually 'feel' these things, its not crazy.
You're welcome!
You're welcome, Miryam. Good luck to you - there are some really good companies out there. Keep looking if you are seriously thinking about changing jobs.
You're not in my car! LOL!
They do both - at least some of them, I know. But, you're right -the pay is not enough. :(
xx
You're welcome :-)
It's a pretty cool site (I like the name, too). Hope it helps. E-mail me anytime if you feel the need & have the time...I'll be around 
Have a great rest of the day
You're very welcome! :) nm
x
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